/* -*- Mode: Java; tab-width: 2; indent-tabs-mode: nil; c-basic-offset: 2 -*- *//* vim: set shiftwidth=2 tabstop=2 autoindent cindent expandtab: *//* Copyright 2012 Mozilla Foundation * * Licensed under the Apache License, Version 2.0 (the “License”); * you may not use this file except in compliance with the License. * You may obtain a copy of the License at * * http://www.apache.org/licenses/LICENSE-2.0 * * Unless required by applicable law or agreed to in writing, software * distributed under the License is distributed on an “AS IS” BASIS, * WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied. * See the License for the specific language governing permissions and * limitations under the License. *//* globals VBArray, PDFJS */’use strict’;// Initializing PDFJS global object here, it case if we need to change/disable// some PDF.js features, e.g. range requestsif (typeof PDFJS === ‘undefined’) { (typeof window !== ‘undefined’ ? window : this).PDFJS = {};}// Checking 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Health Savings Accounts:

A Tax Efficient Health Insurance Alternative

Like most businesses, law firms providing health care benefits to employees find their budgets strained

by spiraling medical insurance premiums. One solution, the Health Savings Account (HSA), which was

created as part of the 2003 Medicare Act, is a relatively affordable— and tax efficient— alternative to

traditional managed-care group plans.

The HSA is the more flexible successor to the Archer Medical Savings Account, which was introduced

several years ago to help employees of small businesses get health coverage. Available since January

1, 2004, HSAs are being offered by a growing number of banks and insurance companies. While

experiences among employers vary, early adopters of HSAs have generally found the plans to be

effective in lowering or arresting health benefit costs.

An HSA may be opened by anyone who has a qualified health insurance policy with an annual

deductible of not less than $1,050 for individuals, or $2,100 for families. A firm may choose to offer a

high deductible health plan (HDHP) to partners and staff, or employees can be encouraged to sign up

for policies on their own. Employers are permitted to contribute to the accounts of individual employees

or may offer staff incentives to put money in themselves.

Since HSA funds ar